Every Spanish tax a foreign buyer pays — explained.
ITP, plusvalía, Modelo 210, FATCA. Written by a former Spanish Tax Administration officer with 20 years inside the system. No legalese, real numbers, no obligation.
- ▸Full purchase-cost breakdown by autonomous community
- ▸Modelo 210 forecast — empty vs. rented, with worked examples
- ▸Wealth tax exposure tables for VC, MU, AL
- ▸FATCA & Modelo 720 cheat-sheet for US persons
- ▸Treaty-credit check so you don’t pay twice
Most foreign buyers learn about Spanish tax after they sign.
By the time you’re at the notary, your room to optimise is essentially zero. This guide gives you the full map before you commit.
ITP, plusvalía, Modelo 210, FATCA — every line, what they cost, when
Knowing the names is the easy part. Knowing how each one is calculated for your autonomous community, your residence status, and your home country's tax treaty — that's the guide.
Real numbers from real Costa Blanca purchases
Not theory. Real worked examples — €180k Torrevieja apartment, €450k Jávea villa, €280k Murcia townhouse — so you can locate yourself on the table.
What changes if you're Spanish-resident vs. non-resident
The single decision that drives most tax outcomes — and the one most buyers don't think about until they have to.
Twenty years in the room. Now writing it down for you.
I’m Sarah. I spent two decades inside SUMA — the Costa Blanca’s tax authority — watching the same questions come up from foreign owners year after year, with no honest English-language source pointing them at the answer.
This guide is the document I wish I could have handed every foreign buyer who walked into my office. It’s also how I decide whether someone needs my paid services or just needs a read — most need the read.
Book a free 30-min call instead.
If you have a specific property and a timeline, the call closes the gap faster than the guide.
- ▸30 minutes, video or phone — your choice.
- ▸Calendar invite arrives instantly with a Google Meet link.
- ▸You walk away with a clear next step, not a sales pitch.
From the guide to a real decision.
A sample of buyers who downloaded the guide first, then engaged on a specific property.
“The diagnostic flagged a Modelo 210 miscalculation that would have cost me €12,400 over three years. We renegotiated the purchase structure before signing the arras. Best €347 I have spent on this whole purchase.”
“I was ready to sign on what looked like a great buy-to-let. The 48-hour analysis showed the net yield was 2.3 %, not the 7 % the agent had promised. I walked away. Saved a €280,000 mistake.”
“My Irish lawyer is excellent but doesn't know Spanish tax. Sarah filled the gap exactly — ITP, Modelo 210, wealth-tax exposure, all in writing before I committed. Twenty years inside the tax authority shows on every line.”
Common questions, straight answers.
If your situation isn’t covered, the discovery call is the fastest way to a clear answer.
What's actually inside the guide?+
12 pages: every tax a foreign buyer pays during purchase (ITP/AJD or VAT, notary, registry, plusvalía), every tax they pay every year (Modelo 210 imputed, IBI, basura), every tax they pay when selling (plusvalía, capital gains), and the FATCA/Modelo 720 reporting questions US persons keep getting wrong.
Who wrote it?+
Sarah Katerina — 20 years inside SUMA (the Costa Blanca tax authority). She wrote it the way she wishes someone had explained it to her foreign-buyer clients: in English, without legalese, with real numbers from real Costa Blanca purchases.
Is it actually free? What's the catch?+
Genuinely free, no payment, no obligation. We ask for your email so we can send you the PDF and (if you opt in) follow up with a short series of related explainers. Unsubscribe takes one click.
Will the guide answer my specific situation?+
It'll cover the big picture and the rules. For a number — “exactly what will I owe on this specific Marina Alta apartment?” — book the free 30-min call. The guide gets you 80% of the way; the call closes the last 20%.
How current is it?+
Updated for 2026 (post-Modelo 210 imputed-income rate adjustment, post-plusvalía reform, current ITP rates per autonomous community). Material updates flagged with a date.